Consumer banker job description

The candidate will be responsible for providing support and direction to ensure the overall quality of the retail banking branch division as well as the Bank's residential lending and consumer lending portfolios. The position will be required to participate in several committees involved in the management of the bank and monthly presentations to the Board of Directors. The Director of Consumer Banking will be part of the Bank's senior executive team and will be responsible for developing strategic action plans regarding retail, residential and consumer lending, and private banking divisions in order to achieve Bank-defined strategic goals. The candidate will provide direction to division managers to ensure operating procedures and systems developed and implemented are for the purpose of promoting sound and efficient business practices.

Requirements for the position include a Bachelor's degree in a business-related field, along with a minimum of ten years of experience in a banking-related field. The position requires significant involvement in branch administration, residential lending, private banking and consumer lending. Strong leadership, organizational, and management skills, as well as a proficiency in written and verbal communication, problem solving and negotiation skills are required. Occasional overnight, air and/or road travel is required. The ability to work late and/or flexible hours is required. EO/AA Employer: Title VII/Protected Veterans/Disability Status
Qualifications

Education

Preferred

+ Bachelors or better

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

At Texas Capital Bank, we are driven by a single-minded and unwavering mission: to serve business and the individuals who run them. We use a consultative approach and innovative technologies to develop new ideas that give the bank and our clients a competitive advantage. We partner with our customers to push the boundaries of what’s possible—together.

Headquartered in Dallas, Texas Capital Bank has offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, and we serve clients in a variety of industries from coast-to-coast.

This role reports into the Operational Risk Management Department as a part of Texas Capital Bank’s Second Line of Defense organization. It will serve as the second line of defense independent challenge function covering all aspects of Operational Risk for the bank’s Commercial Banking, Treasury Services, and Payment Products lines of business. This role will perform 2LOD functions required to support Operational Risk Management Programs including RCSAs, pRCSAs, KRIs and Risk Appetite metrics, Loss Events, Emerging Risks, Tops Risks, Policy/Process Map/Procedure Reviews, Risk Tiering, New Initiatives Risk Assessment, Issues Management, Committee reporting, and other executive level reporting as needed. This role also will work with many stakeholders across the business, operations, and other Risk groups on a daily basis.

Review and Challenge individual Risk and Control Self Assessments (RCSAs) for covered Risk Assessment Units (RAUs) based on organizational reporting structure

Ensure that the most significant operational risks are identified and documented appropriately in the RCSAs / the bank’s Archer GRC Tool, and are rated reasonably for their levels of inherent risk, quality of risk management, and residual risk

Identify control design gaps, and control enhancement opportunities, and improve the documentation of controls that are in the bank’s control inventory, by utilizing available information such as business overviews, process maps and procedures, etc., and building relationships and having regular ongoing dialogue with relevant stakeholders across the organization

Work with other risk program owners / Internal Audit to ensure that there is one control inventory for the bank maintained in Archer
Conduct training and communication activities to support LOB / First Line of Defense participants Identify new and emerging operational risks applicable to the LOBs, and needed new controls or enhancements to current controls Facilitate meaningful risk and control conversations with LOB’s senior and executive management on a regular basis through compiling risk information packages and PowerPoint presentations, that summarize results across multiple risk management programs Perform required functions across all applicable risk programs such as Issues Management, etc. Work directly in the bank’s Archer GRC Tool Other Ad-Hoc projects as assigned


Bachelors degree in Business, Finance, Accounting, or Mathematics etc. and 3 years of experience, or 5-7 years of financial services experience, preferably in operational risk management, or internal audit related to RCSAs, KRIs, Internal / External Losses, Scenario Analysis, organizational Change Management, and/or program strategic design and execution Specific knowledge or experience within the Financial Services industry - Treasury and Payment Products specific experience is preferred Specific knowledge or experience with risk management frameworks, common assessment methodology, corporate governance, process improvement, financial services, and Project Management Excellent communication skills and a team player, comfortable conversing with executive level audience to articulate requirements of the risk management programs, and influence decision making Ability to develop and maintain productive working relationships across business, functions, and lines of defense Ability to quickly understand end-to-end processes of complex business operations through multiple channels of information gathering, to identify risks, process gaps, and collaborate with stakeholders to problem-solve, and lead issue through full resolution Superior analytical and problem-solving skills, advanced user of Microsoft Excel, Access products to effectively structure and manage large amounts of data and perform basic financial analysis aimed at risk identification Expert skills with Microsoft Excel, PowerPoint, and Word Experience with Archer GRC tool is a plus

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GENERAL FUNCTION

This role will provide an exceptional customer experience through solution-based conversation of primary Fifth Third banking products and services over the phone. The Consumer Banker I provides support to existing customers by enhancing their relationships in an inbound call center environment as well as supporting the banks marketing efforts.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES & RESPONSIBILITIES:

* Apply knowledge of consumer banking products and financial need assessment tools to create a memorable customer experience and help customers achieve their financial goals
* Use of the consultative approach with current customers to uncover and identify their needs while tailoring recommendations/solutions
* Maintain a well-developed, working knowledge of products, services, and processes offered
* Work collaboratively with internal partners to ensure customer's needs are met
* Follow the Bancorp Code of Business Conduct and Ethics and other related policies, modeling the ethical behavior expected from every employee within the Bancorp
* Other duties as assigned

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

* High School Diploma/GED and 6 months customer service or call center experience, or college degree or equivalent military experience
* Demonstrate ability to develop comfort level with managing customer experience and financial consultation over the phone
* Ability to professionally represent Fifth Third Bank in verbal and written communication
* Demonstrated ability in making sound decisions

#LI-HT1

Consumer Banker I- Cincinnati, OH

LOCATION -- Cincinnati, Ohio 45227

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.